1. Agree to use the purchased house as mortgage guarantee.

2. The age of the borrower plus the loan period shall not exceed 65 for men and 60 for women.

3. Have full capacity for civil conduct; Have permanent residence or valid residence status in China.

You must pay a down payment of not less than a certain percentage of the total price of the house purchased.

5. Have stable professional and economic income, good credit and the ability to repay the principal and interest of the loan.

6. A house purchase contract or agreement has been signed.